Institute suggests governments pay for Canadians to seek treatment abroad.

Costs rise above average rates of economic inflation in key markets, including Canada.

Capital positions rise, underlying combined ratios the strongest in 10 years.

Insured average annual losses from natural catastrophes pegged at $151-billion globally.

To prevent markets from shrinking, they must take a more active role.

A higher increase anticipated this year.

They generated returns above their cost of capital for the first time in four years.